Your Monthly Biz eNews from SCE FCU
May 2014
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Paying Bills with a Credit Card Offers Advantages for Your Business
Easy bill paying and expense tracking at your fingertips

It’s no secret that a business credit card is a convenient way to make business purchases, both in person and on the Internet. What might not be as well known to business owners is that a business credit card can be a valuable financial management tool that can help you not only make purchases more easily, but also manage cash flow and expenses.
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Five Innovations That Can Save Your Business Money
Cut down your expenses while still running your business to its fullest potential
Photo: Five Innovations That Can Save Your Business Money
Looking for some cost-cutting ideas that will allow you to still promote your business? You’re probably wondering where you can sign up. There are tons of technical or non-technical innovations in this world that can help your business thrive while still allowing you to pinch pennies. Learn what they are:
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Insurance Types Required for Business Owners with Employees
What employers need to know about providing insurance
Photo: Insurance Types Required for Business Owners with Employees
Insurance is a fact of life for all business owners. While all businesses benefit from general types of business insurance like liability insurance, there are certain types of insurance specifically for employers. So, if you’re an entrepreneur thinking of turning your one-man-show into a larger business, or if you’re starting a new business with employees, here is some information about the types of insurance you must provide.
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Loan Definitions — Explained
Clarifications of some tricky loan-related words
Photo: Loan Definitions — Explained
A loan is a certain amount of money that needs to be repaid. Whenever you receive or need to take out a loan, you may hear certain phrases or words pop up that you’re not aware of. Here’s what some of them mean:
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Benefits of Refinancing Your Auto Loan
Refinance your auto loan to save
Photo: Benefits of Refinancing Your Auto Loan
When you think of refinancing, you probably think of your mortgage or another equity loan, but you may not realize that it is also possible to refinance your auto loan, and that oversight may be costing you money. Many people are able to save by refinancing their auto loans, and the following information can help you determine if it could be the right choice for you.
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How to Recycle Everything
A quick guide to ditching your stuff

Each year, thousands of items are thrown into trash piles and landfills, creating environmental headaches for future generations. Consider recycling or passing on your unwanted items to others who may have a need for them. Future generations will appreciate a cleaner environment, and others will appreciate receiving items they may need.
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Montauk, New York
Pass the Hamptons and head straight to this beautiful seaside village

If you want to see and be seen, head to the Hamptons. For a more relaxed atmosphere, the small seaside village of Montauk, located on the easternmost point of Long Island, offers the same level of luxury and natural beauty.
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Antibiotics: Proper Use and Cautions
Avoiding antibiotic overuse

Prior to the discovery of antibiotics, many common conditions like strep throat and ear infections were deadly. But with the advent of these drugs in the 1940s, bacterial infections, which were sometimes impossible for your immune system to fight off, became relatively easy to treat.
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Eco-Friendly Laundry
Save money in the laundry room

Laundry always seems to get a bad rap and is often listed as one of the least popular household chores. When it comes to environmental conservation, however, laundry is one of the areas where you may be able to save the most energy with a minimal amount of effort. A few simple changes in your laundry habits may have you looking at laundry in a whole new light.
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10 Ideas for a Date Night In
Take these fun routes to a little romance

While many people enjoy going on a date to the theater or to a restaurant, this isn't always possible. Remember, however, that just as much fun and romance can be found at home. Here are 10 ideas for a date night in with your significant other.
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  
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